Efficiency Ratio Over Time
Efficiency Ratio Western State Bank All Insured Commercial Banks in California
06-30-2006 92.384 70.367
03-31-2006 102.294 69.95
12-31-2005 99 74.917
09-30-2005 97.288 71.155
06-30-2005 98.862 70.343
03-31-2005 104.633 68.656
12-31-2004 103.382 71.614
09-30-2004 107.01 71.664
06-30-2004 106 72.622
03-31-2004 103.97 74.921
12-31-2003 113.861 78.394
09-30-2003 112.175 69.685
06-30-2003 108.012 70.304
03-31-2003 111.985 69.597
12-31-2002 108.096 70.571